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Like a fine wine, credit scores tend to get better with age. That's primarily why members of the elder Silent Generation have average credit scores that are 100 points higher than newbie millennials. The typical millennial has a "fair" credit score of just 634, according to a LendingTree study, which examined an anonymized sample of its 9 million users. From there, credit scores rise in steps. GenX ranks better than millennials, with an average 653 score, which is still "fair." Baby boomers do better than GenX, with a "good" 696 average score. Finally, the Silent Generation -- those born from 1925 to 1945 -- tops out with a "very good" 734 average score, according to the LendingTree research. Credit scores tend to rise with age for good reasons, experts note. Some key scoring metrics give points for the amount of time you've had credit and for the depth of your credit experience. Credit scores, after all, are a way to handicap a person's propensity to repay a loan in full and on … [Read more...] about What does age have to do with credit scores? Plenty

Customers have been left confused and worried at the closure of a credit union office in Swansea . A letter on behalf of the directors at My Community Bank Wales has been placed in the window of the Walter Road branch stating that the office has shut. It reads: "Your credit union is growing and modernising. "By direction of our members we now cover all of Wales excluding Cardiff and Vale. The future of My Community Bank Wales is secure. "To serve our members across Wales we have expanded our online capability and as a result you can manage your accounts with the credit union 24 hours a day from your smartphone, without the need to show up in person." Watch the pennies with these top money-saving tips *Did you know you can also make money out of your shopping receipts? If you usually throw them away, then stop right away because there’s money to be made from holding onto them. *We all know how much debt university can leave you in, so here's how you can knock £1,500 off … [Read more...] about Mystery and concern as credit union in Uplands shuts its doors

As reported in 9 News, the 12-year-old had a heated argument with his parents. “He doesn’t like the word ‘no’,” his mother said. He subsequently told them he was going to school. However, the boy had actually stolen the family credit cards and, after tricking his grandmother into giving him his passport, travelled alone to Bali. He was able to do so having researched Australian airlines which allow minors to travel with only a student ID and passport, rather than requiring a letter from a parent or guardian. The boy took a train to Sydney airport and was able to check in at the self-service stations and get through security before waiting to board a flight to Perth, from where he caught a connecting flight to Denpasar in Bali. “I sort of stuffed up because I got the deal cheap,” he told 9 News, adding that he was never asked why he was alone. “They just asked for my student ID and passport to prove I’m over 12 and that … [Read more...] about ‘It was great’

A 12-year-old boy managed to foil police, customs and international airlines when he bought himself a one-way ticket to Bali and ran away from home 'on an adventure'. The young boy, who goes by the name of Drew, packed up and left his Sydney home following a heated argument with his mum. Drew used the family credit card to book himself a flight to Denpasar, Bali - first with Garuda airlines and then, when that failed, with Qantas. A 12-year-old boy by the name of Drew managed to run away to Denpasar, Bali after having a heated argument with his mum 'I went to the airport, and the crew wouldn't let me on... cause I didn't have documents from mum or dad,' he told A Current Affair. It was only once Drew went to Jetstar that he managed to book his international ticket and make it through the airport unchecked. This despite the Australian Federal Police's assurances that he was on their radar and wouldn't be allowed to leave. 'When the first attempt to Indonesia took place, … [Read more...] about 12-year-old travels to Bali after boarding a Jetstar flight with ease

An Australian family were left terrified when their son was reported missing, only for it to transpire that he had stolen the family credit card and travelled alone to Bali. As reported in 9 News, 12-year-old Drew* had a heated argument with his parents. “He doesn’t like the word ‘no’,” his mother said. He subsequently told them he was going to school. However, Drew had actually stolen the family credit cards and, after tricking his grandmother into giving him his passport, travelled alone to Bali. He was able to do so having researched Australian airlines which allow minors to travel with only a student ID and passport, rather than requiring a letter from a parent or guardian. Read more Young girl boards easyJet flight without parents The boy took a train to Sydney airport and was able to check in at the self-service stations and get through security before waiting to board a flight to … [Read more...] about 12-year-old boy uses family credit card to fly to Bali after argument with mother